Calculators for money questions: what a loan costs each month, what savings grow to, and how much tax is added. Your numbers stay in this browser.
Every calculator here circles the same question from a different angle: how much actually ends up in your hands. Why the salary on the contract differs from the deposit in your account, why two loans with identical principal produce different total interest, how a shift in the exchange rate moves the amount you pay at checkout.
What they share is that one changed input can swing the result badly. So the useful way to use them is not to enter numbers once, but to vary a condition two or three times and watch which line item dominates the outcome.
Two things come out of a paycheque. First, statutory contributions — pension, health, unemployment insurance and their local equivalents — which are a rate applied to a defined wage base. Second, income tax and any local surtax, which depend on filing status, dependants and the deductions you are entitled to.
That is why two people on the same gross salary can take home different amounts. Comparing headline salaries without the deduction profile behind them is comparing two different numbers.
Severance, unused-leave payouts and holiday allowances follow the same logic. The whole result hinges on which wage base the law tells you to start from, and those bases include different allowances.
Simple interest accrues on the principal only; compound interest accrues on interest already earned. Over a year the gap is small. Over twenty it can exceed the principal itself. Running the same deposit through the savings calculator and the compound calculator side by side makes that divergence visible instead of theoretical.
Loans are the same mechanism pointed the other way. An equal-payment (annuity) schedule keeps the monthly figure flat but front-loads interest; an equal-principal schedule costs more early and less in total; an interest-only schedule defers the whole principal to maturity. Same rate, same principal — the total interest is decided by that choice.
Contribution rates, tax brackets, VAT registration thresholds and duty-free allowances are set by statute and revised on a schedule. So each calculator states the effective date of the basis it used in the «Method and sources» block at the bottom of the page, and links to the primary document rather than to a summary article.
Market data behaves differently. Exchange rates and sentiment indices are not revised, they move continuously, so a result is a snapshot of the moment you looked. Before an actual transfer or payment, check the rate your bank or card network will actually apply.
To see money coming in, start with the take-home pay or hourly-wage calculators. To see money going out, use the loan repayment, acquisition tax and brokerage fee tools. To see money accumulating, use the deposit and compound calculators; to see money at work, the average-cost and fear-and-greed tools.
Long-range planning collapses into the retirement calculator: current assets, savings rate, expected return and expected spending tell you how long the balance lasts. Feeding results from the other calculators into it as inputs is the natural order.
They are reference screening calculators. They do not file anything, do not recommend a product or a security, and cannot see your deduction history, your other income, or the local ordinance that applies where you live.
The withholding agent, the bank and the tax office always produce the binding number. Use these results to know the order of magnitude before that number arrives, and to sanity-check it once it does.
Salary, loan balance and portfolio size are not information you want to hand over. Every calculation in this category runs inside the browser, and the values you type are never sent to a server. There is no account and no sign-in.
Only the tools that genuinely need outside data fetch anything, and what leaves is the currency pair — not the amount you entered.